A. Normal Retirement Pension

Effective January 1, 1998, the Plan's Normal Retirement Age is 65 for a Participant with at least five years of Credited Service or Pension Credit with at least one hour of Pension Credit on or after January 1, 1998. Participants with no service after December 31, 1997, require 10 years of Credited Service or Pension Credit to attain Normal Retirement Age on or after attainment of age 65.

If you have earned at least five years of Credited Service or Pension Credit, since any permanent Break in Service, and at least one hour of Pension Credit or Credited Service after December 31, 1997, and you have not experienced a Permanent Break in Service, you will attain Normal Retirement Age at age 65 or, if later, your age on the fifth anniversary of your participation in the Plan.

If you have not earned at least one hour of Pension Credit or Credited Service after December 31, 1997, and you do not incur a Permanent Break in Service as described in Section 7, you will reach Normal Retirement Age at 65 or, if later, your age on the tenth anniversary of your participation in the Plan.

For purposes of determining when you will reach your 5th or 10th anniversary of participation, the commencement date of your participation begins with the first day of the calendar year in which you accrued Credited Service in the Plan or, if later, the first day of the first calendar year in which your participation began following any Permanent Break in Service.